I think, and this is just making an assumption, that most people that are doing this are not being patient. I just started this not too long ago and I'm warming up accounts for at least 2 weeks before I put a bio or URL. On the second day I added bio pics. For now, I'm just liking photos only. No following, no comments etc. I have two accounts on a dedicated proxy address each. IMO this makes sense as it makes the accounts look like they're just doing a natural progression as a human would do when they sign up for instagram the first time. Check it out, like some photos, add a picture, start commenting, then add a bio (no web address), then eventually put in your link.
IMO, this would be the best way to keep your accounts safe. It doesn't look spammy at all if you're on instagram for a month and gradually do all these steps.
This is just the way I'm doing it, and may have the same issues as everyone else. But from my experience in things like this from CL, Facebook etc... The tortoise wins the race.
Oh and BTW I'm not using content lockers or anything like that. I'm cloning websites that have affiliate commissions and targeting those groups. I have one account on instagress that I did this for (before i even saw this) and made $14 in 20 days. I figure if I have 100 that would have been $1400

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tldr; Don't look spammy.